This is because Indian equity market has generated better returns compared to other asset classes and is expected to do the same in the future. At a CAGR of 8%, a monthly investment of Rs 5,000 in a debt instrument will grow to Rs 70.88 lakh in 30 years. While it's sensible to not invest in stocks without adequate research, which can be time-consuming, Kishore has the option of taking the mutual fund route to equity investing. Hiren Sanghvi, a proprietary stock market trader is a case in point. "My main source of income is from the equity market, so I want to keep my long-term investments away from equity to reduce risk," he says.

Source: Economic Times September 26, 2016 01:03 UTC